423 S ATLANTIC AVENUE UNIT 102, NEW SMYRNA BEACH, FL, 32169
Active332 days on marketListed Sep 19, 2025MLS #NS1085987
About this home
423 S ATLANTIC AVENUE UNIT 102
This stunning Oceanfront condo offers 2300 square feet of beautifully designed living space, complete with three bedrooms, 3 baths and a private two car garage. Fully furnished with a relaxed coastal style, it provides the perfect blend of comfort and sophistication. Step out onto one of two spacious balconies and take in the sweeping views of the Atlantic Ocean. Whether you're savoring your morning coffee while watching the sunrise or unwinding with evening cocktails, the ocean breezes make every moment unforgettable. With direct beach access from your private entrance, the sand and surf are just steps away. Located in an exclusive building with only six residences, this property offers rare privacy while being just two blocks from charming Flagler Avenue, Home to local restaurants, shops and entertainment, all within easy walking distance. The open concept floor plan is ideal for entertaining, with both balconies accessible from the living areas. The kitchen is a chef's delight, featuring solid surface countertops, custom cabinetry, and stainless steel appliances designed to make meal preparation effortless. The primary suite is a true retreat with breathtaking ocean views and a spa-like en suite bathroom designed for relaxation. Additional amenities include a sparkling community pool, beautifully maintained grounds, and ample garage space for vehicles and recreational gear. With its prime location and strong rental demand, this exceptional residence is ideal as a year-round home, luxurious vacation getaway, or income-producing investment property. In 2026, the property generated approximately $50,000 in rental revenue, with over $13,000 already booked for 2027, providing immediate income potential for its next owner. Experience the pinnacle of oceanfront living. Schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,300
Sqft
0.5 ac
Lot size
2
Garage
2004
Year built
One
Levels
$565
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$10,516 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$10,516/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+35.9%
$/sqft vs New Smyrna Beach actives
$565 vs $365
Days on market
332 vs 72 typical
Where $565/sqft sits among the 400 New Smyrna Beach actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Central Beach
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know New Smyrna Beach. See the full New Smyrna Beach guide →
Central Beach — neighborhood snapshot
Population
1,843
Median age
62
Median income
$83,678
Median home value
$521,411
Avg household
2
Households w/ children
88%
For the school run
Volusia County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The New Smyrna Beach market
$448K → $424K
New Smyrna Beach median sold, yr/yr
95.6%
Sale-to-list ratio (12 mo)
215 of 400
New Smyrna Beach actives have cut their price
Median sold price, New Smyrna Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 139% above the NEW SMYRNA BEACH 32169 median. See the full New Smyrna Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 423 S ATLANTIC AVENUE UNIT 102
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$1,350,000
423 S ATLANTIC AVENUE UNIT 301 · same community
3 bd · 3 ba · 2,250 sqft · $600/sqft · 326 DOM
Sold · Jun ’26$1,000,000
1705 S ATLANTIC AVENUE UNIT 701
3 bd · 3 ba · 2,226 sqft · $449/sqft · 19 DOM
Sold · Oct ’25$2,300,000
1307 HILL STREET
3 bd · 2.5 ba · 2,380 sqft · $966/sqft · 160 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Julian Rivera
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 423 S ATLANTIC AVENUE UNIT 102 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 423 S ATLANTIC AVENUE UNIT 102 — before you fall in love.
See it in person
Schedule a tour
Live availability from Julian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
423 S ATLANTIC AVENUE UNIT 102 FAQs
What would the monthly payment be for 423 S ATLANTIC AVENUE UNIT 102?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $10,516/mo — principal and interest, the actual property-tax bill, the $1,485/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 423 S ATLANTIC AVENUE UNIT 102?+
The association fee works out to $1,485 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 423 S ATLANTIC AVENUE UNIT 102?+
The most recent tax bill on record (2024) was $16,498. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 423 S ATLANTIC AVENUE UNIT 102?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, Size Limit, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in New Smyrna Beach?+
At $1,299,000, this home is listed about 147% above the New Smyrna Beach median of $525,000. The market section on this page shows how the area is trending.
Which schools are assigned to 423 S ATLANTIC AVENUE UNIT 102?+
Coronado Beach Elementary School (elementary), New Smyrna Beach Middle School (middle), New Smyrna Beach High School (high) — Volusia County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$1,299,000 runs 139% above the NEW SMYRNA BEACH 32169 median — but at 2,300 sqft it's also 39% larger than the typical New Smyrna Beach listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $1,485/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
332 days on market against a New Smyrna Beach median of 72 — sellers in this position are usually ready to negotiate.
05Strong assigned schools
Coronado Beach Elementary School, New Smyrna Beach Middle School, New Smyrna Beach High School — Coronado Beach Elementary School rates 5 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of COLLADO REAL ESTATE · Natasja DeCamillis. MLS #NS1085987.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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